Representative Example
Borrow $300 over 3 months, at 400% APR, 3 repayments of $218.91, total repayable $518.91
Borrow $300 over 3 months, at 400% APR, 3 repayments of $218.91, total repayable $518.91
Step 1:
Apply With Harpsey’s Online Application Form
Step 2:
Receive An Offer From Direct Lenders
Step 3:
Borrow $300 On The Same Day
To be eligible for a payday loan there are a few simple requirements. You are eligible to apply for a $300 payday loan if you fit the following criteria:
To avoid disappointment you should check that you meet the criteria above, and also take time to check that you can afford to meet your loan repayments on time.
Bad Credit? | Yes |
Same Day Funding? | Yes |
Legal? | Yes |
Interest (APR)? | Can be over 400% |
Completely Online? | Yes |
Instant Decision | Yes |
No! Our service is completely free. There are no fees involved in our online application form and in matching you with a lender for your $300 loan. Your lender will charge a daily or monthly interest rate which will be agreed upon before you accept an offer. We are here to ensure you find an affordable loan to suit your requirements.
Harpsey helps to search for the best lenders all across the US. As our process is fully online, location is no issue! We find the best offers from areas including the following states:
Before applying for a payday loan, make sure you are eligible by checking you meet the requirements including your age and having a live checking account. When filling out the online form you will be asked a few simple questions about the amount you want to borrow and how long for. There are a few further details needed about your employment and income, before we can instantly match you with the most competitive rate for your loan.
Yes! You can apply for a $300 loan with Harpsey with bad credit (see loans for people with bad credit ). Our online search works by matching you with a lender most likely to approve you. So even if you have bad credit history, or no credit at all, you could still have extra money in your account within an hour, 24 hours or by the next business day.
Applying with us will also not impact your credit score in any way. We use a soft search approach which means there is no visible footprint on your credit report.
Our lenders can certainly consider loan applications with no credit checks. Most applications require a credit check to confirm eligibility for a payday loan, including details about your income and spending. However, Harpsey works with a wide range of lenders who can explore other options for you, including using other factors than just your income.
We can help find you a short-term loan, even if you have had a previous application refused by a lender or bank. Whatever your credit history, click ‘Apply Now’ to get $300 in your account today.
In some cases, your chosen lender may require some additional information. To make sure the process is as fast as possible, have your accurate bank and employment details ready and be available by phone or email to speak further with your lender.
It is important that you are confident in repaying your loan, either from your income or your savings. Also consider options if a payday loan is right for you. In some cases borrowing from friends or family can allow for more flexibility in repaying a loan and saving on interest.
It is important to know you can comfortably meet your payday loan online on the agreed terms with your lender. By failing to meet a repayment, you risk having interest added to the loan and facing damage to your credit rating.
If you become aware that you will struggle to make a repayment you should contact your lender as soon as possible as they might be able to suggest an alternative repayment plan that could save you from falling into further financial difficulty.
You can borrow between $100 to $35,000 through one of our lenders. The amount you can borrow is based on factors such as your monthly income and credit status.
Harpsey is a broker – we connect you to a direct lender best suited to your application from our panel of trusted partners.
It is not possible to get a payday loan if you are unemployed. Having employment and earning a minimum of $800 per month is a requirement to be eligible for a payday loan.